{"id":34097,"date":"2022-09-16T09:19:51","date_gmt":"2022-09-16T02:19:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=34097"},"modified":"2025-01-15T15:55:53","modified_gmt":"2025-01-15T08:55:53","slug":"3-243-can-duy-tri-room-tin-dung-de-kiem-soat-rui-ro","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-244-can-duy-tri-room-tin-dung-de-kiem-soat-rui-ro\/","title":{"rendered":"3.244. C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\u00a0"},"content":{"rendered":"<h4><span style=\"color: #723918;\">C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\u00a0<\/span><\/h4>\n<p>(\u0110CS) &#8211; Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB), t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng\/GDP c\u1ee7a Vi\u1ec7t Nam thu\u1ed9c h\u00e0ng cao nh\u1ea5t th\u1ebf gi\u1edbi (\u0111\u1ebfn cu\u1ed1i n\u0103m 2021 t\u1ef7 l\u1ec7 n\u00e0y \u0111\u00e3 \u0111\u1ea1t 124%). C\u00f2n Moody\u2019s \u0111\u00e3 n\u00e2ng m\u1ee9c t\u00edn nhi\u1ec7m qu\u1ed1c gia c\u1ee7a Vi\u1ec7t Nam t\u1eeb m\u1ee9c Ba3 l\u00ean m\u1ee9c Ba2. Nh\u01b0ng c\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y ti\u1ebfp t\u1ee5c c\u1ea3nh b\u00e1o t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng trong n\u01b0\u1edbc\/GDP c\u1ee7a Vi\u1ec7t Nam m\u1ed9t trong nh\u1eefng t\u1ef7 l\u1ec7 cao nh\u1ea5t trong s\u1ed1 qu\u1ed1c gia \u0111\u1ed3ng h\u1ea1ng. \u0110i\u1ec1u \u0111\u00f3, \u0111\u1eb7t ra y\u00eau c\u1ea7u c\u1ea7u h\u1ed7 tr\u1ee3 n\u1ec1n kinh t\u1ebf ph\u1ea3i \u0111i \u0111\u00f4i v\u1edbi th\u1eadn tr\u1ecdng, b\u1ea3o \u0111\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng.<\/p>\n<div id=\"attachment_34098\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-34098 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/09\/Picture1-11-450x340.png\" alt=\"C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\" width=\"450\" height=\"340\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/09\/Picture1-11-450x340.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/09\/Picture1-11-768x580.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/09\/Picture1-11.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">\u1ea2nh minh h\u1ecda (\u1ea2nh: M.P)<\/p><\/div>\n<h5><strong>Kinh t\u1ebf ph\u1ee5c h\u1ed3i t\u1ed1t ph\u00e1t sinh nhu c\u1ea7u t\u0103ng t\u00edn d\u1ee5ng<\/strong><\/h5>\n<p>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 8 th\u00e1ng \u0111\u1ea7u n\u0103m t\u0103ng 9,95% so v\u1edbi cu\u1ed1i n\u0103m 2021. \u0110\u00e2y l\u00e0 m\u1ee9c t\u0103ng cao h\u01a1n nhi\u1ec1u so v\u1edbi c\u00f9ng k\u1ef3 nhi\u1ec1u n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. T\u1ea1i Di\u1ec5n \u0111\u00e0n &#8220;Th\u00e1o g\u1ee1 \u0111i\u1ec3m ngh\u1ebdn v\u1ec1 ch\u00ednh s\u00e1ch v\u00e0 ngu\u1ed3n v\u1ed1n \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n&#8221; m\u1edbi \u0111\u00e2y, chuy\u00ean gia kinh t\u1ebf tr\u01b0\u1edfng BIDV TS. C\u1ea5n V\u0103n L\u1ef1c cho r\u1eb1ng, c\u00f3 nguy\u00ean nh\u00e2n khi\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng. \u0110\u00f3 l\u00e0 kinh t\u1ebf ph\u1ee5c h\u1ed3i t\u1ed1t v\u00e0 th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p \u0111ang \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 ch\u1ea5n ch\u1ec9nh l\u1ea1i n\u00ean th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p suy gi\u1ea3m 4-5%, d\u1ed3n nhu c\u1ea7u \u0111\u00f3 sang ph\u00eda ng\u00e2n h\u00e0ng m\u1ed9t l\u1ea7n n\u1eefa. L\u00fd do n\u1eefa khi\u1ebfn t\u00edn d\u1ee5ng t\u0103ng c\u0169ng l\u00e0 l\u00fd do quan tr\u1ecdng, t\u1ee9c l\u00e0 gi\u1ea3i ng\u00e2n \u0111\u1ea7u t\u01b0 c\u00f4ng ch\u1eadm.<\/p>\n<p>Tr\u01b0\u1edbc nhu c\u1ea7u v\u1ed1n ng\u00e0y c\u00e0ng cao trong m\u00f9a kinh doanh, tu\u1ea7n qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh b\u1ed5 sung room t\u00edn d\u1ee5ng cho c\u00e1c ng\u00e2n h\u00e0ng. C\u00e1c chuy\u00ean gia cho r\u1eb1ng room t\u00edn d\u1ee5ng m\u1edbi \u0111\u01b0\u1ee3c c\u1ea5p ph\u1ea7n n\u00e0o gi\u1ea3i to\u1ea3 \u0111\u01b0\u1ee3c c\u01a1n kh\u00e1t v\u1ed1n, nh\u01b0ng m\u1ee9c b\u1ed5 sung l\u1ea7n n\u00e0y \u0111\u01b0\u1ee3c cho l\u00e0 kh\u00e1 h\u1ea1n ch\u1ebf, kh\u00f3 l\u00f2ng \u0111\u00e1p \u1ee9ng h\u1ebft nhu c\u1ea7u v\u1ed1n, nh\u1ea5t l\u00e0 v\u00e0o m\u00f9a kinh doanh cao \u0111i\u1ec3m cu\u1ed1i n\u0103m.<\/p>\n<p>Tr\u1ea7n Du L\u1ecbch \u2013 Th\u00e0nh vi\u00ean T\u1ed5 t\u01b0 v\u1ea5n c\u1ee7a Th\u1ee7 t\u01b0\u1edbng cho r\u1eb1ng, \u0111i\u1ec1u c\u1ea5p thi\u1ebft v\u00e0 c\u1ea7n ph\u1ea3i t\u1eadp trung gi\u1ea3i quy\u1ebft trong giai \u0111o\u1ea1n t\u1edbi l\u00e0 h\u1ea5p th\u1ee5 v\u1ed1n ch\u1ee9 kh\u00f4ng ph\u1ea3i \u00e1p l\u1ef1c n\u1edbi room t\u00edn d\u1ee5ng. N\u1ebfu h\u1ea5p th\u1ee5 \u0111\u01b0\u1ee3c v\u1ed1n th\u00ec b\u01a1m v\u1ed1n c\u00f3 hi\u1ec7u qu\u1ea3, kh\u00f4ng h\u1ea5p th\u1ee5 \u0111\u01b0\u1ee3c v\u1ed1n m\u00e0 b\u01a1m s\u1ebd kh\u00f4ng hi\u1ec7u qu\u1ea3.<\/p>\n<p>&#8220;\u0110i\u1ec1u c\u1ea7n l\u00e0m b\u00e2y gi\u1edd l\u00e0 ph\u1ea3i ph\u00e1t tri\u1ec3n c\u00e2n \u0111\u1ed1i th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu v\u00e0 c\u1ea3 th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ea9y g\u00e1nh n\u1eb7ng v\u1ed1n trong trung v\u00e0 d\u00e0i h\u1ea1n cho ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7&#8221;, TS. L\u1ecbch nh\u1ea5n m\u1ea1nh.<\/p>\n<p>V\u1ec1 v\u1ea5n \u0111\u1ec1 room t\u00edn d\u1ee5ng n\u00f3ng l\u00ean, t\u1ea1i H\u1ed9i ngh\u1ecb v\u1ec1 gi\u1eef v\u1eefng \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4, TS Tr\u1ea7n \u0110\u00ecnh Thi\u00ean cho r\u1eb1ng, \u00e1p l\u1ef1c v\u1ed1n \u0111\u1ed5 l\u00ean khu v\u1ef1c v\u1ed1n t\u01b0 nh\u00e2n nh\u01b0 ng\u00e2n h\u00e0ng (v\u1ed1n t\u00edn d\u1ee5ng) v\u00e0 tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu. Trong khi ng\u00e2n h\u00e0ng v\u1eabn c\u01a1 b\u1ea3n b\u1ea3o \u0111\u1ea3m v\u1ed1n ng\u1eafn h\u1ea1n. M\u00e0 vi\u1ec7c b\u01a1m ti\u1ec1n hay kh\u00f4ng b\u01a1m ti\u1ec1n ra \u0111\u1ec1u ph\u1ea3i c\u0103n c\u1ee9 v\u00e0o n\u1ee3 x\u1ea5u. &#8220;Ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi t\u00ednh to\u00e1n t\u1ed5ng th\u1ec3, v\u00e0 h\u1ecd ph\u1ea3i t\u00ednh to\u00e1n r\u1ee7i ro, doanh nghi\u1ec7p c\u0169ng c\u1ea7n ph\u1ea3i hi\u1ec3u t\u00ecnh th\u1ebf nh\u01b0 v\u1eady. Th\u1eddi gian t\u1edbi, c\u1ea7n thay \u0111\u1ed5i c\u1ea5u tr\u00fac th\u1ecb tr\u01b0\u1eddng ti\u1ec1n t\u1ec7, th\u1ecb tr\u01b0\u1eddng v\u1ed1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u1ea5u tr\u00fac n\u00e0y b\u1edbt r\u1ee7i ro nh\u1ea5t&#8221;, TS Tr\u1ea7n \u0110\u00ecnh Thi\u00ean n\u00eau quan \u0111i\u1ec3m.<\/p>\n<p><em>\u0110\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m th\u1eadn tr\u1ecdng, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong> c\u0169ng khuy\u1ebfn ngh\u1ecb kh\u00f4ng n\u00ean t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng trong \u0111i\u1ec1u ki\u1ec7n hi\u1ec7n nay. &#8220;14% trong b\u1ed1i c\u1ea3nh hi\u1ec7n nay l\u00e0 qu\u00e1 cao r\u1ed3i. Ngu\u1ed3n v\u1ed1n ch\u00ednh, vai tr\u00f2 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf kh\u00f4ng th\u1ec3 l\u00e0 g\u00e1nh n\u1eb7ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, m\u00e0 l\u00e0 c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh kh\u00e1c&#8221;, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0n\u00f3i.<\/em><\/p>\n<p>C\u00f2n TS V\u00f5 Tr\u00ed Th\u00e0nh &#8211; Th\u00e0nh vi\u00ean T\u1ed5 t\u01b0 v\u1ea5n ch\u00ednh s\u00e1ch t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 qu\u1ed1c gia cho r\u1eb1ng, di\u1ec5n bi\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng nh\u01b0 hi\u1ec7n nay l\u00e0 ph\u00f9 h\u1ee3p. Nh\u00ecn d\u00e0i h\u1ea1n, v\u1ecb chuy\u00ean gia n\u00e0y kh\u00f4ng n\u00ean \u0111\u1eb7t ra m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng m\u00e3i \u1edf m\u1ee9c 13-14%. \u0110\u00e2y l\u00e0 con s\u1ed1 t\u0103ng tr\u01b0\u1edfng kh\u00f4ng h\u1ec1 th\u1ea5p n\u1ebfu x\u00e9t tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng\/GDP c\u1ee7a Vi\u1ec7t Nam t\u0103ng nhanh trong giai \u0111o\u1ea1n g\u1ea7n \u0111\u00e2y v\u00e0 \u0111ang \u1edf m\u1ee9c cao, \u0111\u1eb7c bi\u1ec7t t\u1eeb n\u0103m 2020 (2021: 124% GDP), ti\u1ec1m \u1ea9n r\u1ee7i ro \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh. C\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf (Qu\u1ef9 Ti\u1ec1n t\u1ec7 qu\u1ed1c t\u1ebf (IMF), WB), t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m qu\u1ed1c gia \u0111\u1ec1u c\u1ea3nh b\u00e1o v\u1ec1 t\u1ef7 l\u1ec7 n\u00e0y c\u1ee7a Vi\u1ec7t Nam.<\/p>\n<h5><strong>Gi\u1eef\u00a0m\u1ee9c t\u0103ng tr\u01b0\u1edfng h\u1ee3p l\u00fd<\/strong><\/h5>\n<p>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a WB, t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng\/GDP c\u1ee7a Vi\u1ec7t Nam thu\u1ed9c h\u00e0ng cao nh\u1ea5t th\u1ebf gi\u1edbi (\u0111\u1ebfn cu\u1ed1i n\u0103m 2021 t\u1ef7 l\u1ec7 n\u00e0y \u0111\u00e3 \u0111\u1ea1t 124%). M\u1edbi \u0111\u00e2y ng\u00e0y 6\/9, m\u1eb7c d\u00f9 Moody\u2019s (T\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m Moody&#8217;s Investors Service) n\u00e2ng m\u1ee9c t\u00edn nhi\u1ec7m qu\u1ed1c gia c\u1ee7a Vi\u1ec7t Nam t\u1eeb m\u1ee9c Ba3 l\u00ean m\u1ee9c Ba2, nh\u01b0ng ti\u1ebfp t\u1ee5c c\u1ea3nh b\u00e1o t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng trong n\u01b0\u1edbc\/GDP v\u00e0 t\u1ef7 l\u1ec7 t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc\/GDP \u0111\u00e3 t\u0103ng l\u1ea7n l\u01b0\u1ee3t l\u00ean 124% v\u00e0 187% trong n\u0103m 2021, l\u00e0 m\u1ed9t trong nh\u1eefng t\u1ef7 l\u1ec7 cao nh\u1ea5t trong s\u1ed1 qu\u1ed1c gia \u0111\u1ed3ng h\u1ea1ng. Ch\u01b0a k\u1ec3 \u00e1p l\u1ef1c ng\u1eafn h\u1ea1n \u0111\u1ed1i v\u1edbi t\u1ef7 gi\u00e1, l\u00e3i su\u1ea5t v\u1ea5n \u0111\u1ec1 t\u0103ng v\u1ed1n c\u1ee7a c\u00e1c NHTM kh\u00f4ng theo k\u1ecbp quy m\u00f4 t\u0103ng t\u00edn d\u1ee5ng\u2026<\/p>\n<p>G\u1ea7n \u0111\u00e2y nh\u1ea5t, c\u00e1c t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf (IMF, WB, Fitch Ratings, S&amp;P) c\u1ea3nh b\u00e1o kh\u1ea3 n\u0103ng suy gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, nguy c\u01a1 n\u1ee3 x\u1ea5u ph\u00e1t sinh; ti\u1ec1m \u1ea9n r\u1ee7i ro an to\u00e0n h\u1ec7 th\u1ed1ng v\u00e0 m\u1ea5t \u1ed5n \u0111\u1ecbnh kinh t\u1ebf v\u0129 m\u00f4. Theo \u0111\u00f3, v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t hi\u1ec7n nay \u0111\u1ec3 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng v\u1ed1n, \u0111\u00e1p \u1ee9ng \u0111\u1ee7 nhu c\u1ea7u v\u1ed1n cho n\u1ec1n kinh t\u1ebf ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng theo TS. Th\u00e0nh \u0111\u00f3 l\u00e0 c\u1ea7n nhanh ch\u00f3ng s\u1eeda \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh 153 v\u1ec1 ph\u00e1t h\u00e0nh tr\u00e1i phi\u1ebfu c\u0169ng nh\u01b0 trong nh\u1eefng n\u0103m t\u1edbi c\u00f3 th\u1ec3 ch\u1ebf t\u1ed1t \u0111\u1ec3 th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng tr\u00e1i phi\u1ebfu tr\u1edf th\u00e0nh k\u00eanh d\u1eabn v\u1ed1n hi\u1ec7u qu\u1ea3 cho n\u1ec1n kinh t\u1ebf.<\/p>\n<p>\u00d4ng Francois Phainchaud &#8211; Tr\u01b0\u1edfng \u0111\u1ea1i di\u1ec7n V\u0103n ph\u00f2ng \u0110\u1ea1i di\u1ec7n IMF t\u1ea1i Vi\u1ec7t Nam c\u0169ng c\u1ea3nh b\u00e1o, t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng\/GDP c\u1ee7a Vi\u1ec7t Nam t\u0103ng cao, trong khi c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 t\u0103ng v\u1ed1n l\u1ea1i ch\u01b0a theo ti\u00eau chu\u1ea9n khu v\u1ef1c, ti\u1ec1m \u1ea9n r\u1ee7i ro. NHNN c\u1ea7n ti\u1ebfp t\u1ee5c t\u0103ng c\u01b0\u1eddng qu\u1ea3n l\u00fd h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1edbi nh\u1eefng ch\u00ednh s\u00e1ch c\u1ea9n tr\u1ecdng \u0111\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n<p>TS Tr\u1ea7n Ho\u00e0ng Ng\u00e2n cho r\u1eb1ng, room t\u00edn d\u1ee5ng tuy l\u00e0 c\u00f4ng c\u1ee5 h\u00e0nh ch\u00ednh nh\u01b0ng trong b\u1ed1i c\u1ea3nh n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. &#8220;Ch\u1ec9 \u0111\u1ebfn khi n\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1, t\u00e1i c\u01a1 c\u1ea5u \u1ed5n \u0111\u1ecbnh m\u1ea1nh m\u1ebd. C\u00f3 th\u1ec3 \u0111i\u1ec1u h\u00e0nh ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 th\u00f4ng su\u1ed1t kh\u00f4ng b\u1ecb g\u00e3y \u1edf nh\u1eefng \u0111i\u1ec3m th\u1eaft do y\u1ebfu k\u00e9m th\u00ec l\u00fac \u0111\u00f3 m\u1edbi c\u00f3 th\u1ec3 b\u1ecf room&#8221;, TS. Ng\u00e2n chia s\u1ebb quan \u0111i\u1ec3m.<\/p>\n<p>C\u00f2n TS Tr\u01b0\u01a1ng V\u0103n Ph\u01b0\u1edbc cho r\u1eb1ng, tr\u01b0\u1edbc m\u1eaft, duy tr\u00ec room t\u00edn d\u1ee5ng l\u00e0 r\u1ea5t quan tr\u1ecdng. Kh\u00f4ng ch\u1ec9 gi\u1eef \u1ed5n \u0111\u1ecbnh ho\u1ea1t \u0111\u1ed9ng h\u1ec7 th\u1ed1ng, th\u1eddi gian qua, nh\u1edd \u0111\u1ecbnh h\u01b0\u1edbng d\u00f2ng ch\u1ea3y t\u00edn d\u1ee5ng c\u0169ng \u0111\u00e3 gi\u00fap cho y\u1ebfu t\u1ed1 l\u1ea1m ph\u00e1t th\u1ea5p xu\u1ed1ng. Th\u1eddi gian t\u1edbi, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ea7n ph\u1ea3i \u0111\u1ecbnh h\u01b0\u1edbng d\u00f2ng ch\u1ea3y t\u00edn d\u1ee5ng qua c\u00e1c h\u1ec7 s\u1ed1 r\u1ee7i ro. N\u1ebfu ng\u00e2n h\u00e0ng cho vay ng\u00e0nh ngh\u1ec1 n\u00e0o r\u1ee7i ro nhi\u1ec1u th\u00ec room ph\u1ea3i th\u1ea5p. &#8220;Vi\u1ec7c x\u00e1c \u0111\u1ecbnh room t\u00edn d\u1ee5ng cho c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n d\u1ef1a v\u00e0o c\u01a1 c\u1ea5u t\u00edn d\u1ee5ng v\u00e0 c\u00e1c h\u1ec7 s\u1ed1 r\u1ee7i ro. \u0110\u00e2y l\u00e0 c\u00e1ch h\u1ed7 tr\u1ee3 cho ch\u00ednh s\u00e1ch t\u00e0i kh\u00f3a m\u1ed9t c\u00e1ch gi\u00e1n ti\u1ebfp, v\u00ec n\u1ebfu nh\u01b0 d\u00f2ng v\u1ed1n \u0111i v\u00e0o n\u1ec1n kinh t\u1ebf n\u1ebfu l\u00e0m cho l\u1ea1m ph\u00e1t th\u1ea5p xu\u1ed1ng, l\u00e0m cho ngu\u1ed3n thu t\u0103ng l\u00ean&#8221;, TS. Ph\u01b0\u1edbc g\u1ee3i \u00fd.<\/p>\n<p>C\u00e1c chuy\u00ean gia cho r\u1eb1ng, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, tuy h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 b\u01b0\u1edbc c\u1ea3i t\u1ed5 m\u1ea1nh m\u1ebd, \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m n\u00e2ng h\u1ea1ng t\u00edn nhi\u1ec7m, nh\u01b0ng s\u1ef1 ph\u00e1t tri\u1ec3n \u0111\u00f3 v\u1eabn ch\u01b0a \u0111\u1ed3ng \u0111\u1ec1u, ti\u1ec1m \u1ea9n r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, to\u00e0n n\u1ec1n kinh t\u1ebf n\u00f3i chung. Hi\u1ec7n m\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng ti\u00eau chu\u1ea9n Basel II, th\u1eadm ch\u00ed c\u00f3 ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh c\u1ee7a Basel III; nh\u01b0ng c\u0169ng c\u00f3 ng\u00e2n h\u00e0ng ch\u01b0a \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c chu\u1ea9n Basel II. N\u1ebfu \u0111\u1ec3 t\u1ef1 do, nhu c\u1ea7u t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c NHTM \u0111\u1ec1u tr\u00ean 20%. N\u1ebfu \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng nh\u01b0 k\u1ef3 v\u1ecdng c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec r\u1ea5t d\u1ec5 b\u1ecb v\u01b0\u1ee3t qua kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb c\u1ee7a h\u1ecd, m\u1eb7t kh\u00e1c t\u1ea1o \u00e1p l\u1ef1c l\u1edbn \u0111\u1ebfn l\u1ea1m ph\u00e1t v\u00e0 m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i c\u1ee7a n\u1ec1n kinh t\u1ebf.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, kinh nghi\u1ec7m qu\u1ed1c t\u1ebf cho th\u1ea5y, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ch\u1ee7 y\u1ebfu cung c\u1ea5p v\u1ed1n ng\u1eafn h\u1ea1n cho n\u1ec1n kinh t\u1ebf, c\u00f2n ngu\u1ed3n v\u1ed1n trung \u2013 d\u00e0i h\u1ea1n s\u1ebd do th\u1ecb tr\u01b0\u1eddng v\u1ed1n \u0111\u1ea3m nhi\u1ec7m. Tuy nhi\u00ean \u1edf Vi\u1ec7t Nam, th\u1ecb tr\u01b0\u1eddng v\u1ed1n, th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n ch\u01b0a ph\u00e1t tri\u1ec3n, th\u1ec3 hi\u1ec7n \u0111\u00fang vai tr\u00f2, n\u00ean vi\u1ec7c c\u00e2n \u0111\u1ed1i v\u1ed1n cho n\u1ec1n kinh t\u1ebf, bao g\u1ed3m c\u1ea3 v\u1ed1n trung &#8211; d\u00e0i h\u1ea1n v\u1eabn d\u1ef1a nhi\u1ec1u v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. \u0110i\u1ec1u \u0111\u00f3 ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng khi m\u00e0 ngu\u1ed3n v\u1ed1n huy \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1ee7 y\u1ebfu l\u00e0 ng\u1eafn h\u1ea1n.\/.<\/p>\n<h5><strong>Minh Ph\u01b0\u01a1ng<\/strong><\/h5>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/em><\/p>\n<p><strong><em>\u0110\u1ea3ng C\u1ed9ng s\u1ea3n Vi\u1ec7t Nam (C\u00f9ng b\u00e0n lu\u1eadn) 16-9-2022:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/dangcongsan.vn\/cung-ban-luan\/can-duy-tri-room-tin-dung-de-kiem-soat-rui-ro-619557.html\">https:\/\/dangcongsan.vn\/cung-ban-luan\/can-duy-tri-room-tin-dung-de-kiem-soat-rui-ro-619557.html<\/a><\/em><\/p>\n<p><em>(76\/1.547)<\/em>","protected":false},"excerpt":{"rendered":"<p>C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\u00a0 (\u0110CS) &#8211; Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi (WB), t\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng\/GDP c\u1ee7a Vi\u1ec7t Nam thu\u1ed9c h\u00e0ng cao nh\u1ea5t th\u1ebf gi\u1edbi (\u0111\u1ebfn cu\u1ed1i n\u0103m 2021 t\u1ef7 l\u1ec7 n\u00e0y \u0111\u00e3 \u0111\u1ea1t 124%). C\u00f2n Moody\u2019s \u0111\u00e3 n\u00e2ng m\u1ee9c t\u00edn nhi\u1ec7m qu\u1ed1c gia c\u1ee7a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":34098,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[39,37,31,44,36],"class_list":["post-34097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-cong-ty-luat-anvi","tag-kinh-doanh-sanh-luat","tag-luat-su","tag-luat-su-dau-tu","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.244. C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\u00a0 - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"C\u1ea7n duy tr\u00ec room t\u00edn d\u1ee5ng \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro\u00a0| T\u1ef7 l\u1ec7 t\u00edn d\u1ee5ng trong n\u01b0\u1edbc\/GDP c\u1ee7a VN m\u1ed9t trong nh\u1eefng t\u1ef7 l\u1ec7 cao so v\u1edbi c\u00e1c qu\u1ed1c gia \u0111\u1ed3ng h\u1ea1ng\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/3-244-can-duy-tri-room-tin-dung-de-kiem-soat-rui-ro\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.244. 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